St. Marys Homes under $400,000

St. Marys Homes under $400,000

Welcome to St. Marys, Georgia, a hidden gem nestled in Camden County, where Southern charm meets coastal beauty. This picturesque city, bordered by the stunning St. Marys River and just a stone's throw from the Atlantic Ocean, offers a unique blend of small-town warmth and vibrant community spirit. With its rich history, delightful parks, and proximity to the enchanting Cumberland Island National Seashore, St. Marys is a haven for nature lovers and history buffs alike.

For those seeking a home in this idyllic setting, St. Marys presents an impressive selection of properties under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or seeking a vacation retreat, you’ll find a range of charming options that cater to diverse lifestyles. From cozy bungalows with lush gardens to modern family homes with spacious layouts, there’s something for everyone.

Living in St. Marys means enjoying a relaxed pace of life, with friendly neighbors and a strong sense of community. Spend your weekends exploring the historic downtown, where quaint shops and local eateries invite you to unwind. Engage in outdoor activities, from kayaking along the river to hiking scenic trails, all while soaking in the breathtaking views that surround you.

With its affordable housing market and an abundance of recreational opportunities, St. Marys is more than just a place to live—it's a lifestyle. Discover your dream home in this charming coastal city and embrace the vibrant community that makes St. Marys truly special. Your new adventure awaits!

Newest St. Marys Homes under $400,000

218 N 4th St, St. Marys
$259,000
3 Beds ⋅ 2 Baths ⋅ 2003059 MLS ⋅ 1,908 SqFt.
Welcome to 218 N Fourth Street in St. Marys, GA! This spacious 3-bedroom, 2-bathroom home offers 1,908 square feet of living space with a versatile floor plan designed for both everyday living and entertaining. Inside, you'll find two separate living areas, a formal dining room, and a cozy fireplace in the main living room. A bright sunroom overlooking the large backyard provides the perfect spot to relax. Laminate and tile flooring extend throughout the home, offering easy maintenance with no carpet! Step outside to enjoy the oversized screened-in lanai, ideal for outdoor dining, entertaining, or simply unwinding. The expansive backyard also features a fire pit, creating an inviting space to gather with friends and family. Additional highlights include an indoor laundry room and a two-car garage for added convenience and storage. Conveniently located just a short distance from schools, shopping, restaurants, and all that charming St. Marys has to offer. With generous indoor and outdoor living spaces, this home is ready for you to make it your own!

218 N 4th St, St. Marys
35 Live Oak Ln, St. Marys
$389,900
4 Beds ⋅ 3 Baths ⋅ 2003055 MLS ⋅ 2,131 SqFt. ⋅ 0.52 Acres
Looking for space, charm, and a little room to breathe? Well, 35 Live Oak Lane in St. Marys might just be calling your name! Situated on approximately half an acre, NO HOA, and surrounded by beautiful mature oak trees draped in Spanish moss, this 4-bedroom, 2.5-bath home offers 2,131 square feet of living space, inviting updates, and plenty of room to spread out! And for outdoor enthusiasts, Crooked River State Park is just down the road, offering fishing, boating, scenic trails, and beautiful coastal views! Inside, you'll find a spacious living room with vaulted ceilings, wood-look flooring, and a beautiful stone fireplace that adds warmth and character to the space. The kitchen features two-tone shaker-style cabinetry, granite-look countertops, stainless steel appliances, a breakfast bar with seating, and plenty of counter space for cooking and entertaining. Just off the kitchen, the spacious dining area offers a great place to gather, with large windows bringing in natural light and sliding glass doors leading toward the outdoor living space. With four bedrooms, there's flexibility for guests, a home office, hobbies, or whatever fits your needs! And let's talk about the outdoors! The beautiful oak trees provide natural shade and that classic Southern charm, while the fenced outdoor area offers space for gardening, grilling, or simply enjoying the fresh air. You'll also love the screened porch, detached covered carport, and TWO storage sheds for extra storage and outdoor essentials! This home also offers convenient single-story living and a great St. Marys location near Kings Bay Naval Submarine Base, shopping, dining, and I-95. With plenty of space, character, and charm, this one is worth a look! Grab your favorite, local real estate agent and schedule your appointment today!

35 Live Oak Ln, St. Marys
675 Douglas Dr, St. Marys
$235,000
3 Beds ⋅ 2 Baths ⋅ 2003023 MLS ⋅ 1,720 SqFt. ⋅ 0.275 Acres
675 Douglas Dr St. Marys. GA is a 3 bedroom, 2 bath, 1720 sq ft home with fenced in back yard. Large lot with endless possibilities for homebuyer.

675 Douglas Dr, St. Marys
502 Margaret St, St. Marys
$320,000
1 Beds ⋅ 2 Baths ⋅ 2002939 MLS ⋅ 1,102 SqFt. ⋅ 0.29 Acres
UPDATED AND UPGRADED BUNGALOW BRIMMING WITH COASTAL CHARM IN HISTORIC DOWNTOWN ST. MARYS! THIS MOVE-IN-READY HOME BLENDS CLASSIC CHARACTER WITH THOUGHTFUL MODERN UPDATES IN A LOCATION THAT'S HARD TO BEAT. STEP INSIDE TO BEAUTIFUL HARDWOOD FLOORS THROUGHOUT THE LIVING AREAS, WHERE THE INVITING FAMILY ROOM FEATURES A LARGE BUILT-IN BOOKCASE WITH WARM WOOD ACCENTS THAT ADD BOTH CHARACTER AND FUNCTIONALITY. THE STYLISH EAT-IN KITCHEN HAS BEEN BEAUTIFULLY UPDATED WITH NEW CABINETRY, QUARTZ COUNTERTOPS, AND A WINDOW ABOVE THE FARMHOUSE SINK THAT FILLS THE SPACE WITH NATURAL LIGHT. THE SPACIOUS BEDROOM FEATURES AN UPDATED EN SUITE BATH COMPLETE WITH A LARGE TILED WALK-IN SHOWER AND DOUBLE VANITY. AN ADDITIONAL ROOM, CURRENTLY USED AS AN OFFICE, WAS PREVIOUSLY A SECOND BEDROOM AND CAN EASILY BE CONVERTED BACK TO SUIT YOUR NEEDS. THE INDOOR LAUNDRY ROOM INCLUDES A BRAND-NEW WASHER AND DRYER, AND ADDITIONAL IMPROVEMENTS INCLUDE NEW WINDOWS AND UPDATED KNOCKDOWN CEILINGS THROUGHOUT. OUTDOOR LIVING IS JUST AS INVITING! RELAX ON THE SCREENED PORCH OVERLOOKING THE FENCED BACKYARD OR ENJOY THE OPEN DECK, PERFECT FOR GRILLING AND ENTERTAINING. THE PROPERTY ALSO INCLUDES A STORAGE OUTBUILDING AND SEPARATE WORKSHOP- BOTH WITH POWER- PROVIDING PLENTY OF SPACE FOR HOBBIES, PROJECTS, OR ADDITIONAL STORAGE. RV AND EV CHARGER HOOKUPS ARE ALREADY IN PLACE, WHILE THE IRRIGATION SYSTEM IS SUPPLIED BY A PRIVATE WELL TO HELP KEEP YOUR WATER BILL LOW. LOCATION IS KEY! ENJOY THE DOWNTOWN ST. MARYS LIFESTYLE WITH SHOPPING, RESTAURANTS, AND THE WATERFRONT PARK JUST A SHORT GOLF CART OR BIKE RIDE AWAY. BONUS- NO FLOOD INSURANCE REQUIRED AND NO HOA DUES TO PAY! WITH ITS COASTAL CHARM, EXTENSIVE UPDATES, FLEXIBLE LIVING SPACE, AND EXCEPTIONAL DOWNTOWN LOCATION, THIS HOME IS READY FOR ITS NEXT OWNER. EASY TO SHOW- MAKE AN APPOINTMENT FOR YOUR PRIVATE TOUR TODAY!

502 Margaret St, St. Marys
203 Borrell Blvd, St. Marys
$139,900
3 Beds ⋅ 1 Baths ⋅ 2002927 MLS ⋅ 816 SqFt. ⋅ 0.22 Acres
CALLING ALL INVESTORS AND BUYERS WITH VISION!!!!! This adorable brick home on Borrell Boulevard in St Marys is nestled beneath beautiful oak trees and full of potential. the property features 3 bedrooms and 1 bathroom, a carport, and the opportunity to add an enclosed living space. Bring your imagination and make this charming home your own!

203 Borrell Blvd, St. Marys
108 Bachlott Rd, St. Marys
$294,900
4 Beds ⋅ 3 Baths ⋅ 2002913 MLS ⋅ 2,096 SqFt. ⋅ 0.16 Acres
THERE'S PLENTY OF SPACE TO SPREAD OUT IN THIS SPACIOUS FOUR-BEDROOM HOME WITH A LARGE LOFT-STYLE BONUS ROOM IN SUGARMILL PLANTATION! STEP INSIDE TO TILE FLOORING THROUGHOUT THE MAIN LIVING AREAS, WHERE SOARING CEILINGS, ABUNDANT NATURAL LIGHT, AND A COZY WOOD-BURNING FIREPLACE CREATE A WARM AND INVITING ATMOSPHERE. THE EAT-IN KITCHEN IS DESIGNED WITH BOTH FUNCTION AND FLEXIBILITY IN MIND, FEATURING A BREAKFAST BAR, DINING AREA, AND AN ADDITIONAL BREAKFAST NOOK THAT COULD EASILY SERVE AS A HOME OFFICE, SITTING AREA, OR OTHER FLEX SPACE. CONVENIENCE IS A STANDOUT FEATURE WITH AN INDOOR LAUNDRY ROOM THAT INCLUDES A FULL BATHROOM AND IS IDEALLY LOCATED NEAR THE EXTERIOR ENTRANCE AND ATTACHED GARAGE- PERFECT FOR CLEANING UP AFTER YARD WORK, OUTDOOR PROJECTS, OR A DAY SPENT ENJOYING THE OUTDOORS. THE PRIMARY SUITE IS CONVENIENTLY LOCATED ON THE MAIN LEVEL AND OFFERS A SPACIOUS WALK-IN CLOSET, DOUBLE VANITY WITH MARBLE COUNTERTOPS, AND A SOAKING TUB/SHOWER COMBINATION. UPSTAIRS, YOU'LL FIND THREE GENEROUSLY SIZED BEDROOMS, A FULL BATHROOM, AND AN IMPRESSIVE LOFT-STYLE BONUS ROOM OVERLOOKING THE MAIN LIVING AREA. THIS VERSATILE SPACE IS PERFECT FOR A MEDIA ROOM, PLAYROOM, HOME OFFICE, OR ADDITIONAL LIVING AREA. OUTSIDE, THE LOW-MAINTENANCE VINYL SIDING MAKES UPKEEP A BREEZE, WHILE THE SCREENED LANAI PROVIDES THE PERFECT SPOT TO RELAX AND ENJOY THE OUTDOORS. AN UPDATED FENCE ADDS PRIVACY, AND A CLEVERLY DESIGNED STORAGE AREA KEEPS TRASH AND RECYCLING BINS NEATLY TUCKED AWAY. THE EXTRA-WIDE DRIVEWAY WITH A SIDE-ENTRY APPROACH PROVIDES PLENTY OF PARKING AND ADDED CONVENIENCE FOR UNLOADING. LOCATED IN SUGARMILL PLANTATION, RESIDENTS ENJOY ACCESS TO A COMMUNITY POOL, TENNIS COURTS, BOAT/RV STORAGE, AND SCENIC WALKING AND BIKING TRAILS. WITH EASY ACCESS TO I-95 AND CONVENIENT PROXIMITY TO SCHOOLS, SHOPPING, DINING, MEDICAL FACILITIES, AND KINGS BAY NAVAL SUB BASE, THIS HOME OFFERS AN IDEAL COMBINATION OF SPACE, COMFORT, AND CONVENIENCE. BONUS: NO FLOOD INSURANCE REQUIRED- HELPING YOU SAVE MONEY! EASY TO SHOW- SCHEDULE YOUR PRIVATE TOUR TODAY!

108 Bachlott Rd, St. Marys
611 Victorias Cir, St. Marys
$355,000
3 Beds ⋅ 2 Baths ⋅ 2002885 MLS ⋅ 1,885 SqFt. ⋅ 0.36 Acres
4.375% VA ASSUMABLE LOAN! DON'T MISS THIS NEARLY NEW 3-BEDROOM HOME IN VICTORIA LANDING OFFERING AN EXCEPTIONAL FINANCING OPPORTUNITY ALONG WITH A SPACIOUS, MOVE-IN-READY DESIGN. SITUATED ON JUST OVER 1/3 ACRE AND BACKING UP TO A PRESERVE, THIS HOME COMBINES PRIVACY, QUALITY CONSTRUCTION, AND EASY EVERYDAY LIVING. STEP INSIDE TO A HIGHLY FUNCTIONAL SPLIT FLOOR PLAN FILLED WITH NATURAL LIGHT. DURABLE LUXURY VINYL PLANK FLOORING EXTENDS THROUGHOUT THE MAIN LIVING AREAS, COMPLEMENTED BY TILED BATHROOMS FOR EASY MAINTENANCE. THE OPEN KITCHEN IS A STANDOUT WITH COUNTER SPACE GALORE, FEATURING A LARGE ISLAND, BREAKFAST BAR, STAINLESS STEEL APPLIANCES, AND PLENTY OF ROOM FOR MEAL PREP AND ENTERTAINING. THE KITCHEN FLOWS SEAMLESSLY INTO THE DINING AND LIVING AREAS, CREATING AN INVITING OPEN-CONCEPT GATHERING SPACE. THE SPACIOUS PRIMARY SUITE OFFERS A RELAXING RETREAT WITH A DOUBLE VANITY, LARGE WALK-IN CLOSET, AND PRIVATE WATER CLOSET. TWO ADDITIONAL BEDROOMS AND A FULL BATH ARE THOUGHTFULLY POSITIONED ON THE OPPOSITE SIDE OF THE HOME FOR ADDED PRIVACY. BUILT WITH DURABILITY AND EFFICIENCY IN MIND, THE HOME FEATURES LOW-MAINTENANCE FIBER CEMENT SIDING, 2X6 EXTERIOR WALLS SPACED 16 INCHES ON CENTER, R-19 INSULATION, AND 30-YEAR ARCHITECTURAL SHINGLES. THE HOMESITE WAS PROFESSIONALLY COMPACTED PRIOR TO CONSTRUCTION TO HELP MINIMIZE SETTLING. OUTDOOR LIVING IS JUST AS IMPRESSIVE WITH AN OVERSIZED SCREENED LANAI OVERLOOKING THE EASY-CARE, VINYL PRIVACY-FENCED BACKYARD AND PEACEFUL PRESERVE BEYOND. ADDITIONAL HIGHLIGHTS INCLUDE AN ATTACHED TWO-CAR GARAGE AND CONVENIENT INDOOR LAUNDRY ROOM. LOCATED IN AN X FLOOD ZONE WITH NO FLOOD INSURANCE REQUIRED AND, BEST OF ALL, NO HOA DUES! CONVENIENTLY LOCATED NEAR SCHOOLS, SHOPPING, DINING, KINGS BAY SUB BASE, AND I-95 FOR AN EASY COMMUTE. A 4.375% VA ASSUMABLE LOAN, NEARLY NEW CONSTRUCTION, PRESERVE-BACKED HOMESITE, AND NO HOA DUES MAKE THIS ONE YOU WON'T WANT TO MISS. EASY TO SHOW- SCHEDULE YOUR PRIVATE TOUR TODAY!

611 Victorias Cir, St. Marys
145 Inlet Reach Cir, St. Marys
$250,000
3 Beds ⋅ 3 Baths ⋅ 2002853 MLS ⋅ 1,429 SqFt. ⋅ 0.08 Acres
Built in 2024, this immaculate three bedroom home is practically new! The unique opportunity to purchase an end unit in the quint neighborhood of Inlet Reach provides the owner with their very own side yard for a total of nearly 2500 square feet of outdoor space for entertaining, gardening, or play! In addition, the location of this unit allows for additional windows, providing an abundance of natural light to the main living space of the home. Enjoy a bright, open living room and kitchen downstairs with beautiful stainless steel appliances, a cozy kitchen island, and quartz countertops. The main floor also has a conveniently located half bathroom and glass doors to the backyard and patio space. The primary bedroom with its own private bathroom and walk in closet is located at the top of the stairs. The two additional bedrooms were thoughtfully placed down the hallway to provide privacy for homeowners, family, and guests. Laundry facilities are conveniently located upstairs for easy accessibility from the bedrooms. This home is also equipped with a garage as well as driveway parking. Find yourself at home in this established neighborhood while also enjoying the freedom of not having an HOA.

145 Inlet Reach Cir, St. Marys
130 Tapique Cir, St. Marys
$215,000
3 Beds ⋅ 2 Baths ⋅ 2002835 MLS ⋅ 966 SqFt.
PRIME ST. MARYS LOCATION + NO HOA! Just minutes from Kings Bay Naval Submarine Base, shopping, dining, schools, and everyday conveniences, this 3-bedroom, 2-bath home puts you close to everything St. Marys has to offer. Step inside to BRAND-NEW LVP FLOORING in the living room and bedrooms, with tile flooring in the kitchen and bathrooms-NO CARPET anywhere in the home! The functional floor plan also includes an indoor laundry room for added convenience. Outside, you'll love the brick exterior, attached one-car garage, and BIG fully fenced backyard with plenty of room to enjoy the outdoors, entertain, garden, or let pets play. Best of all, this property has NO HOA! Whether you're looking for a primary residence or an investment opportunity, this move-in-ready home combines a fantastic location with easy-care finishes and a spacious outdoor area. Don't miss your chance to own a home this close to Kings Bay Naval Submarine Base, shopping, restaurants, and more!

130 Tapique Cir, St. Marys
104 Holly Dr, St. Marys
$180,000
4 Beds ⋅ 2 Baths ⋅ 2002763 MLS ⋅ 1,774 SqFt. ⋅ 0.45 Acres
104 Holly Dr St. Marys, GA is a 4 bedroom, 2 full bathroom, 1774 sq ft home with large fenced in back yard. Close to Kings Bay Naval Base.

104 Holly Dr, St. Marys
101 Grouper Way, St. Marys
$379,900
5 Beds ⋅ 3 Baths ⋅ 2002633 MLS ⋅ 2,405 SqFt. ⋅ 0.29 Acres
More space, more flexibility, and a backyard made for enjoying life at home. Welcome to 101 Grouper Way in St. Marys, GA, a spacious 5-bedroom, 3-bath move-in-ready home offering approximately 2,400 square feet, an attached 2-car garage (EV-friendly), generous indoor living space, and an outdoor setup you have to experience in person. Step inside to a bright, open interior with updated flooring, fresh paint, and a floor plan with plenty of room to spread out. The main living area is anchored by a vaulted ceiling that enhances the home's open feel while flowing naturally into the upgraded kitchen and dining spaces. The kitchen offers an abundance of workspace and storage with granite countertops, extensive cabinetry, stainless steel appliances, a JennAir combination microwave and oven, and an induction cooktop. A large peninsula provides generous counter space along with bar-top seating, creating a natural place for casual meals, morning coffee, or conversation while dinner is being prepared. With five bedrooms and three full bathrooms, this home offers exceptional flexibility. Additional rooms provide options for overnight guests, a dedicated home office, hobby space, workout area, or whatever best fits your needs. The primary suite includes a spacious bath with dual vanities, soaking tub, and a separate shower. Upstairs, additional living space provides even more flexibility for the way you want to use the home. One of the standout features of 101 Grouper Way is the expansive screened and covered porch stretching across the rear of the home. There's room for outdoor dining, multiple seating areas, and entertaining, creating what feels like another living space while offering shade and protection from the Georgia sun. Beyond the porch, the fully fenced backyard is set up for both recreation and entertaining. The partially recessed above-ground swimming pool has been incorporated into the backyard with dedicated steps, surrounding hardscape, and overhead shade sails for a more integrated appearance. A large paver patio provides additional space for dining, grilling, and gathering, while the remaining lawn offers room for pets, gardening, backyard games, or simply enjoying the outdoors. A storage building adds practical space for lawn equipment, pool supplies, and outdoor gear. Whether your ideal Saturday involves a pool day, friends gathered around the grill, or a quiet evening on the screened porch, this is a backyard designed to actually be used. And you can enjoy it all without an HOA. The property is also located in FEMA Flood Zone X, an important consideration when comparing homes throughout coastal Georgia. Location is another advantage. From 101 Grouper Way, you're conveniently positioned for Naval Submarine Base Kings Bay, shopping and dining in St. Marys and Kingsland, and I-95 for travel south toward Jacksonville, Florida, or north toward Brunswick and Savannah. Historic downtown St. Marys and the waterfront are also nearby, including the gateway to Cumberland Island National Seashore. Convenient access to I-95 also puts Northeast Florida and the greater Jacksonville area within easy reach while allowing you to enjoy the relaxed pace of St. Marys. If you've been searching for a 5-bedroom home for sale in St. Marys, GA, a home near Kings Bay, or a property with a screened porch, fenced backyard, swimming pool, 2-car garage, and no HOA, 101 Grouper Way deserves a closer look. There's plenty to appreciate in the photos, but the size of the home, flexibility of the floor plan, and scale of the outdoor living space are even better in person. Schedule your private showing of 101 Grouper Way and come see how much this St. Marys home has to offer.

101 Grouper Way, St. Marys
608 Victorias Cir, St. Marys
$375,000
5 Beds ⋅ 3 Baths ⋅ 2002598 MLS ⋅ 2,221 SqFt. ⋅ 0.24 Acres
Discover your dream home in this stunning 5-bedroom, 3-full bath residence, ready for new homeowners! Spanning 2,221 square feet, it features a spacious dining and living room along with a loft area upstairs between two rooms, creating a multi-functional flex space that's perfect for a den or office. The large primary suite boasts a walk-in closet, making busy mornings a breeze for two. The kitchen is a chef's delight, equipped with stainless steel appliances and extra counter space for prepping, cooking, or tackling projects. Step outside to a large fenced backyard, ideal for gatherings or relaxation, and enjoy the convenience of a two-car garage and water softener. With two HVAC units to ensure comfort on both floors and plenty of walk-in attic storage, this home truly has it all. Conveniently located just minutes from schools and NS Kings Bay, this is an opportunity you won't want to miss!

608 Victorias Cir, St. Marys
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